Prioritized Living

Master your money. Get organized. Take back your time.

Archives for August 2018

Credit 101: Why Your Credit Score Matters & How to Improve It

Credit 101 - Why Your Credit Score Matters and How to Improve It

Remember that college course you had to take about managing your credit? No? Don’t worry, you didn’t miss it.

And you probably never attended a seminar on one of the most important and frequently misunderstood areas of finance, either — your credit.

So it’s no surprise that some people struggle with understanding and managing their developing credit histories. In fact, a recent LendEDU survey found that only 25% of millennials could correctly define what a credit score is, and only 17% knew one of the best ways to improve their score.

Today, it’s time to set the record straight.

Here’s the scoop on what really makes a difference when it comes to your credit and the low-down on how you can take control of your financial destiny with a few easy strategies.

[Read more…]

Stop Being So Accessible & Reclaim Your Time (Without the Guilt)

Stop Being So Accessible and Reclaim Your Time Without the Guilt

Your phone rings, and you pick it up right away. You get an E-mail or text alert and stop what you’re doing to respond. Somebody asks you for a favor, and your answer is always “yes.”

If any of these behaviors sound familiar, you’re probably way, way too accessible.

Being available for a friend or being willing to pitch in is a truly admirable quality. But constantly living your life that way comes with a cost.

You can never be everything to everyone, so people are invariably left disappointed. And things you would have liked to have accomplished — or even those things you promised other people you would do — well, they never get done.

So its time to stop being so accessible! It’s time to find that perfect balance of being a warm, generous person while taking care of yourself and prioritizing your time.

Here’s how you do it . . . [Read more…]

6 Ways to Save Money on Your Car Insurance in Just Minutes

6 Ways to Save Money on Your Car Insurance in Just Minutes

You may not know this about me, but I actually spent a decade working in the insurance industry as a mathematician. And during the last four years of that run, my main job was to analyze data and create predictive models to build auto insurance rates.

That’s right, my team and I figured out how much our insurance company should charge people for car insurance.

So I know firsthand that there are a lot of factors that go into the calculation of your insurance premium.

And there are plenty that you can’t change — at least not easily. Got a ticket or an accident on your record? It’ll take years for that mistake to stop impacting your rate.

But there are some things you can do almost instantaneously that can have a huge impact on your car insurance rates right now.

In fact, here are six of my favorite insurance hacks for lowering your rate right away:  [Read more…]